Indian IVF clinics are notoriously inconsistent in how they quote treatment cost. Some lead with the cheapest possible number and let drugs, freezing, and FET balloon the bill later. Others quote "all-inclusive" packages that turn out not to be inclusive. The Miro IVF Cost Calculator is built to give you an honest baseline before you sit in any clinic's consult room.
Here's what it does, how to use it well, and how to translate its output into clinic conversations.
What the calculator does
Asks you a small number of questions — your city, age band, likely protocol, whether ICSI is needed, whether you're considering embryo freezing or PGT-A — and returns:
- An estimated cost for one fresh cycle (with line items)
- An estimated cost for an FET if needed
- An end-to-end estimate for the realistic scenario (1 fresh + 1 FET)
- A multi-cycle outlook for older patients
- Where common add-ons would push the bill
Try it now: /cost-calculator
What information you'll need before starting
None of this is essential, but having it handy makes the estimate sharper:
- Your age (dictates likely protocol intensity and cycle count)
- The city you plan to treat in (the calculator accounts for tier-1 and tier-2 differences)
- Whether you've had prior IVF or IUI cycles
- Roughly what your AMH is, if you know it (for protocol planning)
- Whether male-factor infertility has been raised by a doctor (affects whether ICSI is the default)
If you don't have any of this — that's fine. Run the calculator on default assumptions for your city. It still gives you a usable baseline to compare against clinic quotes.
How to read the output
The calculator returns a range, not a single number, because Indian IVF pricing genuinely varies by clinic tier within every city. The range typically looks like:
- Mid-tier estimate: what most independent / chain clinics would charge for your scenario
- Premium estimate: what flagship hospital programmes or top-tier boutiques would charge
- End-to-end estimate: realistic spend across 1 fresh cycle + 1 FET for your age band
If a clinic quotes you below the mid-tier estimate, ask carefully what's included — usually drugs and freezing are excluded. If they quote above the premium estimate, ask what specifically justifies the premium.
Using the output in clinic conversations
At a first consultation
Bring the calculator output. After the doctor outlines the treatment plan, ask: "Can I get an itemised quote? My understanding is that for [my city / age], the realistic all-in cost is in the [X – Y] lakh range. How does your quote compare line-by-line?"
Comparing 3 clinic quotes
Run the calculator's "standard scenario" (1 fresh + 1 FET, ICSI, embryo freezing, no add-ons unless clinically indicated) and compare each clinic's equivalent number. Our piece on comparing IVF quotes walks through the line-item normalisation in detail.
Budgeting for multiple cycles
For older patients or anyone wanting to plan around a possible cycle 2 or 3, use the multi-cycle outlook. It prevents the "ran out of money in cycle 2" problem that hits a meaningful share of Indian IVF patients.
What the calculator can't do
- It can't tell you which clinic to choose — that's the 14-question checklist
- It can't estimate your individual success rate (that depends on too many specific factors)
- It doesn't account for unusual scenarios — donor with very specific profile, surrogacy, complex multi-clinic care
- It doesn't replace a doctor's clinical assessment
Privacy and data
The calculator works without an account or any identifying data. If you sign in, your scenarios save under your own account — Miro doesn't share or sell that data, and deletion is one tap.
How it pairs with other Miro tools
- Clinic Finder — to identify registered clinics in your city
- Treatment Timeline — to plan the cycle calendar around festivals, work, and travel
- Fertility Passport — to keep your records organised across the journey
The bottom line
The Miro IVF Cost Calculator gives you an honest, India-2026 baseline for what an IVF cycle should cost in your city. Use it before your first clinic consultation, and as a sanity check on every quote you receive after that. It's not a replacement for clinic conversations — it's the number you walk into them with.
Frequently asked questions
Is the Miro IVF Cost Calculator free?
Yes. It's free to use, no signup required for the basic estimate. Logged-in patients can save scenarios and revisit them later.
How accurate are the cost estimates?
The calculator uses 2026 Indian market data segmented by city tier and clinic tier (mid-tier vs premium). It's accurate to within ±10–15% for the standard scenario in any major city — meaning if it says ₹3.5 lakh, the real range is roughly ₹3.0–₹4.0 lakh. Outliers exist (very cheap quotes that exclude drugs, very premium quotes that bundle add-ons), but the centre of the estimate is realistic.
What does the calculator account for?
Your city, the protocol type (antagonist / long agonist / mini-IVF), whether ICSI is included, embryo freezing and Year 1 storage, anticipated FET if needed, and major add-ons (PGT-A, ERA). It does not account for unusual circumstances like donor cycles for very specific donor profiles or surrogacy.
Can I use the calculator without sharing personal data?
Yes — the calculator works without an account or any personal identifier. It asks only what's needed to estimate cost (city, age band, protocol, add-ons). If you want to save scenarios for comparison later, you can sign in.
Does it cover donor egg, donor sperm, or surrogacy?
Donor sperm and standard donor egg costs are included as add-ons. Surrogacy is not covered in detail — see our piece on the ART Act for surrogacy specifics, since legal pathways and eligibility (not just costs) drive that decision.
How do I use the calculator output in clinic conversations?
Print or screenshot the breakdown and bring it to your clinic consultations. Use it as a sanity-check on the clinic's quote: if the clinic's number is far above or below our range, ask why specifically. It's a good way to spot quotes that exclude drugs or freezing.